Get the Right Tenant Insurance from Petley Hare
Renting a high-rise in Oshawa, a basement apartment in Port Perry, or a Bowmanville townhouse? Tenant insurance will help you protect your personal belongings and personal liability when the landlord’s insurance does not cover your loss. With a local tenant insurance broker team like Progressive, you can get a tenant insurance quote that fits your place, your budget, and your insurance needs, including replacement cost options and contents insurance that help cover water damage, theft, and more.
What is Tenant Insurance?
Tenant insurance (also called renter’s insurance) is a type of insurance policy designed for people who rent their homes, be they apartments, condos, or houses, rather than own them.
Why Choose Tenant Insurance from Progressive?
When it comes to tenant insurance in California, you deserve more than a cookie-cutter policy. You deserve protection that understands where you live, who you are, and what matters most to you.
At Progressive, we offer:
Local Expertise
We’re not a faceless call centre. We’re your neighbours. With offices in Oshawa and Port Perry, our brokers live in the same communities you do and understand the ins and outs of tenant insurance in California.
100+ Years of Experience
Since before Durham Region was even called Durham Region, we’ve been helping people protect their homes and belongings. That legacy continues today.
Real, Friendly People
You can talk to a real person who actually listens. We get to know you and help you find the right coverage at the right price.
More Choices
We partner with Canada’s top insurers, including CAA, Intact, Gore Mutual, and Definity. That means you get multiple quotes, more flexibility, and better value.
Flexible Packages
Whether you’re renting solo or with roommates, living in a condo or a detached home, we can tailor your coverage to match your needs and lifestyle.
Community Connection
From hosting a free community skate in January to supporting events like the Whitby Ribfest, we’re committed to making Durham Region a better place to live.
Choosing tenant insurance from Progressive means getting more than a policy. It means gaining a partner in protection. Whether you’re updating your current plan or exploring your options for the first time, we’re here to help.
Why Renters in California Need Tenant Insurance
Even if you don’t own your home, your belongings and personal liability still matter. Many renters assume their landlord’s insurance covers them, but it doesn’t. Landlord policies typically only cover the structure, not your furniture, electronics, clothes, and valuables.
That’s where tenant insurance coverage helps, giving clear coverage for everyday risks. Here are just a few real-world scenarios where having tenant insurance can save the day:
- Water Damage – Your upstairs neighbour forgets to turn off their bath. Now your laptop and couch are soaked.
- Fire – A small kitchen fire causes smoke damage. You can’t live in your unit for two weeks during repairs.
- Theft – Someone breaks in while you’re out of town and takes your TV.
- Liability – A friend slips on your wet floor and breaks their wrist. You could be responsible for costs like ambulance fees, lost wages, or legal action.
Across the province, many landlords now ask for proof of tenant insurance before move-in. In lease agreements, renters' insurance is becoming the norm. If you’re new to renting in California, tenant insurance can help protect against property damage, theft, and legal claims. Your documents outline what the insurance policy covers, including deductibles and limits.
Experienced a loss? Start a claim today, and we’ll take care of the rest.
What Our Tenant Insurance Covers
Personal Contents Protection
Think about everything you own—your phone, personal laptop, clothing, furniture, books, and even your kitchen gadgets. Renters’ insurance in Canada covers the cost to replace these items if they’re damaged or stolen.
Coverage typically applies to:
- Fire or smoke damage
- Theft or burglary
- Water damage from plumbing issues
- Vandalism
Even items stored temporarily in your car or a storage locker may be covered under the right policy. That means you can take your laptop to class or your guitar to band practice without worrying about what happens next.
Tenant Liability Insurance
Accidents happen to everyone. And when they do, the cost can be overwhelming. That’s where tenant liability insurance comes in.
This covers you if:
- You accidentally cause damage to your rental unit (like a kitchen fire or burst pipe).
- Someone gets injured in your unit, and you’re found liable.
- Your actions lead to property damage in another unit (like an overflowing tub leaking into the unit below).
Tenant liability insurance in California is essential, especially in buildings with multiple tenants, where a single mistake could lead to a big bill.
Additional Living Expenses
What if your apartment becomes uninhabitable due to a covered event like a fire? Rental insurance in California includes additional living expenses, which can cover:
- Hotel accommodations
- Meals
- Transportation costs
- Laundry and incidental expenses
Instead of scrambling to find a place to crash, you can focus on getting back on your feet while your insurance takes care of the rest.
Filing a Claim in 4 Easy Steps - Simple & Supportive
Filing a tenant insurance claim doesn’t have to be complicated. At Progressive, we’re committed to making the process quick and supportive.
Step 1: Notify your broker
Notify your broker immediately, as the sooner we know, the faster we can help.
Step 2: Contact Our Claims Expert
Get support from our in-house claims expert. They’ll guide you every step of the way.
Step 3: Claim Assessment
An adjuster will assess your claim and determine the next steps.
Step 4: Resolution & Compensation
The adjuster will work with you to repair or replace your damaged items or offer compensation.
We’re not just selling a policy; we’re standing with you when it matters most. Whether it's your first claim or your fifth, we’ll be here to answer your questions and get things resolved.
Get Covered Today – Tenant Insurance Made Easy
You deserve protection that’s fast, friendly, and easy to understand. That’s exactly what we offer. At Progressive, tenant insurance in California is:
- Quick to quote
- Easy to update
- Built around your lifestyle
Whether you're moving into your first rental or renewing your lease, we're here to make the process smooth and stress-free.
Start your quote today and protect the things you care about most.
Tenant Insurance FAQs
Is Tenant Insurance Mandatory in California?
Tenant insurance isn’t legally required in California, but many landlords now include it as a condition in the lease agreement. It’s becoming a best practice to protect both tenants and property owners.
Does Renters’ Insurance Cover Roommates?
No, not by default. Roommates should each have their own tenant insurance policy, unless the policyholder adds them specifically to the coverage.
Does It Cover Theft Outside the Home?
Yes. If someone steals your laptop from your car or your bike gets taken from a rack, many policies will still provide coverage. Just make sure to check your specific limits and conditions.
What’s the Difference Between Tenant Insurance and Homeowners Insurance?
Homeowners insurance includes the structure and contents. Tenant insurance focuses on your belongings and liability within a space you rent, plus additional living expenses if you’re displaced.
Can I Cancel My Policy if I Move?
Absolutely. Moving? Just give us a shout and we’ll help you cancel, update, or transfer your coverage to your new address.
Is Tenant Insurance Expensive?
Most policies are surprisingly affordable. You can often get great coverage for less than you think.
Protect your stuff. Protect yourself. Get Tenant Insurance That Fits Your Life in California.
Starting out or starting fresh, Progressive makes it simple. Get a tenant insurance quote online with a local renters insurance broker and compare renters insurance options. We’ll tailor tenant insurance coverage for contents, additional living expenses, and tenant insurance liability coverage, with support from trusted insurance providers.
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